Equal Credit Opportunity Act (ECOA) and fair lending compliance have always been challenging. Under the
Dodd-Frank Act, the challenge has risen to a whole new level. Recent guidance from the Consumer Financial
Protection Bureau (CFPB) expanded fair lending scrutiny to mortgage lenders of all sizes. The CFPB also
indicated that auto lenders should conduct regular analysis of loans for prohibited pricing disparities.
Further complicating compliance, the CFPB, Justice Department, and other regulatory agencies are using
the doctrine of Disparate Impact in examination and enforcement.

FairnessAnalyzer® offers advanced regression analysis that's easy to use. Help is available if you
need it, through available support from the industry's fair lending compliance experts. In a matter of
hours, rather than months, you can identify and address fair lending issues. The system has built-in models,
statistical reports and analytics for mortgage and consumer lending so that you can get started quickly.